Lifestyle continuation model using a capacity unit architecture

Abstract

Systems, methods, and computer-readable storage media utilized in protection generation. Some systems include at least one processing circuit configured to collect data detected based on an exchange by a user or a usage of a user device. The at least one processing circuit can be configured to generate at least one new capacity unit based on the data. The at least one processing circuit can be configured to generate a first plan of a plurality of other plans based on the at least one new capacity unit and at least one un-allocated capacity unit. The at least one processing circuit can be configured to allocate the at least one new capacity unit and the at least one un-allocated capacity unit to the first plan based on an allocation scheme. The at least one processing circuit can be configured to update a protection or period of the first plan.

What is claimed is: 
     
         1 . A lifestyle protection system, comprising:
 at least one processing circuit configured to:
 collect data detected based on an exchange by a user or a usage of a user device by the user; 
 generate at least one new capacity unit based on the data; 
 generate a first plan of a plurality of other plans based on the at least one new capacity unit and at least one un-allocated capacity unit, wherein at least one of the plurality of other plans comprises a plurality of protections or periods; 
 allocate the at least one new capacity unit and the at least one un-allocated capacity unit to the first plan over the plurality of other plans based on an allocation scheme, wherein the allocation comprises converting the at least one new capacity unit and the at least one un-allocated capacity unit to at least one allocated capacity unit; and 
 responsive to a reallocation, update a protection or period of the first plan, wherein the update comprises reducing the at least one allocated capacity unit by a first amount on the first plan and increasing at least one allocated capacity unit by a second amount of a second plan of the plurality of other plans. 
   
     
     
         2 . The lifestyle protection system of  claim 1 , wherein the at least one new capacity unit is a digital asset or token issued by the at least one processing circuit, and wherein the at least one new capacity unit is a value based on a percentage of the exchange or an amount of the exchange, and wherein the value corresponds to an exchange rate of a fiat currency or a digital currency. 
     
     
         3 . The lifestyle protection system of  claim 1 , the at least one processing circuit further configured to:
 establish a data channel between the at least one processing circuit and an IoT device utilizing an application programming interface (API), wherein the IoT device is associated with the user; and   monitor, in real-time, the data channel comprising executing API calls with the API, wherein the API calls return environmental data.   
     
     
         4 . The lifestyle protection system of  claim 3 , the at least one processing circuit further configured to:
 determine an event satisfied at least one condition of the first plan based on the environmental data;   in response to determining the event satisfied the at least one condition of the first plan, generate a protection claim for the first plan based on the protection or period;   process the protection claim based on the environmental data and the event; and   transmit, to the user device, the processed protection claim.   
     
     
         5 . The lifestyle protection system of  claim 1 , the at least one processing circuit further configured to:
 store a plurality of plans associated with the at least one allocated capacity unit of the user device; and   update the at least one allocated capacity unit based on converting a summation of the at least one new capacity unit and the at least one un-allocated capacity unit into the at least one allocated capacity unit.   
     
     
         6 . The lifestyle protection system of  claim 5 , the at least one processing circuit further configured to:
 in response to generating the first plan, aggregate the first plan and the plurality of plans, wherein aggregating comprises calculating a total coverage based on the at least one allocated capacity unit.   
     
     
         7 . The lifestyle protection system of  claim 5 , the at least one processing circuit further configured to:
 update at least one of the plurality of protections or periods of the first plan based on the allocation scheme set by the user.   
     
     
         8 . The lifestyle protection system of  claim 5 , the at least one processing circuit further configured to:
 generate a graphical user interface (GUI) comprising the plurality of plans and at least one actionable object;   provide, to the user device, the GUI;   receive, from the user device, an interaction with the at least one actionable object of the GUI; and   update at least one of the plurality of protections or periods.   
     
     
         9 . The lifestyle protection system of  claim 5 , the at least one processing circuit further configured to:
 establish a data channel between the at least one processing circuit and a third-party application utilizing an application programming interface (API);   generate one or more graphical user interface (GUI) objects for a third-party GUI, wherein the GUI objects comprise at least one actionable object;   integrate the GUI objects into the third-party GUI based on executing API calls with the API;   receive, via the API, an interaction with the first plan; and   update at least one of the plurality of protections or periods of the first plan.   
     
     
         10 . The lifestyle protection system of  claim 1 , the at least one processing circuit further configured to:
 detect, from the user device, activity data;   generate at least one additional capacity unit based on the activity data;   determine the at least one additional capacity unit and the at least one un-allocated capacity unit is below a threshold for the first plan; and   update the at least one un-allocated capacity unit based converting the additional capacity units into the at least one un-allocated capacity unit.   
     
     
         11 . A method, comprising:
 generating, by the at least one processing circuit, at least one new capacity unit based on the data detected based on an exchange by a user or a usage of a user device by the user;   generating, by the at least one processing circuit, a first plan of a plurality of other plans based on the at least one new capacity unit and at least one un-allocated capacity unit, wherein at least one of the plurality of other plans comprises a plurality of protections or periods;   allocating, by the at least one processing circuit, the at least one new capacity unit and the at least one un-allocated capacity unit to the first plan over the plurality of other plans based on an allocation scheme, wherein the allocation comprises converting the at least one new capacity unit and the at least one un-allocated capacity unit to at least one allocated capacity unit; and   updating, by the at least one processing circuit, a protection or period of the first plan, wherein the update comprises reducing the at least one allocated capacity unit by a first amount on the first plan and increasing at least one allocated capacity unit by a second amount of a second plan of the plurality of other plans.   
     
     
         12 . The method of  claim 11 , wherein the at least one new capacity unit is a digital asset or token issued by the at least one processing circuit, and wherein the at least one new capacity unit is a value based on a percentage of the exchange or an amount of the exchange, and wherein the value corresponds to an exchange rate of a fiat currency or a digital currency. 
     
     
         13 . The method of  claim 11 , further comprising:
 establishing, by the at least one processing circuit, a data channel between the at least one processing circuit and an IoT device utilizing an application programming interface (API), wherein the IoT device is associated with the user; and   monitoring, by the at least one processing circuit in real-time, the data channel comprising executing API calls with the API, wherein the API calls return environmental data.   
     
     
         14 . The method of  claim 13 , further comprising:
 determining, by the at least one processing circuit, an event satisfied at least one condition of the first plan based on the environmental data;   in response to determining the event satisfied the at least one condition of the first plan, generating, by the at least one processing circuit, a protection claim for the first plan based on the protection or period;   processing, by the at least one processing circuit, the protection claim based on the environmental data and the event; and   transmitting, by the at least one processing circuit to the user device, the processed protection claim.   
     
     
         15 . The method of  claim 11 , further comprising:
 storing, by the at least one processing circuit, a plurality of plans associated with the at least one allocated capacity unit of the user device; and   updating, by the at least one processing circuit, the at least one allocated capacity unit based on converting a summation of the at least one new capacity unit and the at least one un-allocated capacity unit into the at least one allocated capacity unit.   
     
     
         16 . The method of  claim 15 , further comprising:
 in response to generating the first plan, aggregating, by the at least one processing circuit, the first plan and the plurality of plans, wherein aggregating comprises calculating a total coverage based on the at least one allocated capacity unit.   
     
     
         17 . The method of  claim 15 , further comprising:
 updating, by the at least one processing circuit, at least one of the plurality of protections or periods of the first plan based on the allocation scheme set by the user.   
     
     
         18 . The method of  claim 15 , further comprising:
 generating, by the at least one processing circuit, a graphical user interface (GUI) comprising the plurality of plans and at least one actionable object;   providing, by the at least one processing circuit to the user device, the GUI;   receiving, by the at least one processing circuit from the user device, an interaction with the at least one actionable object of the GUI; and   updating, by the at least one processing circuit, at least one of the plurality of protections or periods.   
     
     
         19 . The method of  claim 15 , further comprising:
 establishing, by the at least one processing circuit, a data channel between the at least one processing circuit and a third-party application utilizing an application programming interface (API);   generate one or more graphical user interface (GUI) objects for a third-party GUI, wherein the GUI objects comprise at least one actionable object;   integrate the GUI objects into the third-party GUI based on executing API calls with the API;   receive, via the API, an interaction with the first plan; and   update at least one of the plurality of protections or periods of the first plan.   
     
     
         20 . A non-transitory computer readable medium (CRM) comprising one or more instructions stored thereon and executable by one or more processors to:
 collect data detected based on an exchange by a user or a usage of a user device by the user;   generate at least one new capacity unit based on the data;   generate a first plan of a plurality of other plans based on the at least one new capacity unit and at least one un-allocated capacity unit, wherein at least one of the plurality of other plans comprises a plurality of protections or periods;   allocate the at least one new capacity unit and the at least one un-allocated capacity unit to the first plan over the plurality of other plans based on an allocation scheme, wherein the allocation comprises converting the at least one new capacity unit and the at least one un-allocated capacity unit to at least one allocated capacity unit; and   responsive to a reallocation, update a protection or period of the first plan, wherein the update comprises reducing the at least one allocated capacity unit by a first amount on the first plan and increasing at least one allocated capacity unit by a second amount of a second plan of the plurality of other plans.